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IN: Prepare For Winter Storms & Extreme Cold

Dear Valued Customer,

In this issue of “——————-” we focus on preparing for winter storms and extreme cold.

While the danger from winter weather varies across the country, nearly all Americans, regardless of where they live, are likely to face some type of severe winter weather at some point in their lives. And, whether it’s getting your home ready for winter weather or putting together a plan in case of emergency, a little foresight can save a lot of time and money.

Read how to prepare your house for winter, winterize your vehicle, the items in an Emergency Supply Kit, how to prevent frozen pipes, and much more.

We appreciate your continued business and look forward to serving you.

Kind regards,

 

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Winter Storm Preparedness

Transportation_SnowOnCarWinter storms can range from a moderate snow over a few hours to a blizzard with blinding, wind-driven snow that lasts for several days. Some winter storms are large enough to affect several states, while others affect only a single community. Many winter storms are accompanied by dangerously low temperatures and sometimes by strong winds, icing, sleet and freezing rain.

Regardless of the severity of a winter storm, you should be prepared in order to remain safe during these events.

Know the Difference

Winter Storm Outlook – Winter storm conditions are possible in the next 2 to 5 days.

Winter Weather Advisory – Winter weather conditions are expected to cause significant inconveniences and may be hazardous. When caution is used, these situations should not be life threatening.

Winter Storm Watch – Winter storm conditions are possible within the next 36 to 48 hours. People in a watch area should review their winter storm plans and stay informed about weather conditions.

Winter Storm Warning – Life-threatening, severe winter conditions have begun or will begin within 24 hours. People in a warning area should take precautions immediately.

How to Prepare for a Winter Storm

  • Winterize your vehicle and keep the gas tank full. A full tank will keep the fuel line from freezing.
  • Insulate your home by installing storm windows or covering windows with plastic from the inside to keep cold air out.
  • Maintain heating equipment and chimneys by having them cleaned and inspected every year.
  • If you will be going away during cold weather, leave the heat on in your home, set to a temperature no lower than 55° F.

Put Together a Supply Kit

  • Water—at least a 3-day supply; one gallon per person per day
  • Food—at least a 3-day supply of non-perishable, easy-to-prepare food
  • Flashlight
  • Battery-powered or hand-crank radio (NOAA Weather Radio, if possible)
  • Extra batteries
  • First aid kit
  • Medications (7-day supply) and medical items (hearing aids with extra batteries, glasses, contact lenses, syringes, etc.)
  • Multi-purpose tool
  • Sanitation and personal hygiene items
  • Copies of personal documents (medication list and pertinent medical information, proof of address, deed/lease to home, passports, birth certificates, insurance policies)
  • Cell phone with chargers
  • Family and emergency contact information
  • Extra cash
  • Baby supplies (bottles, formula, baby food, diapers)
  • Pet supplies (collar, leash, ID, food, carrier, bowl)
  • Tools/supplies for securing your home
  • Sand, rock salt or non-clumping kitty litter to make walkways and steps less slippery
  • Warm coats, gloves or mittens, hats, boots and extra blankets and warm clothing for all household members
  • Ample alternate heating methods such as fireplaces or wood- or coal-burning stoves

Remaining Safe During a Winter Storm

  • Listen to a NOAA Weather Radio or other local news channels for critical information on snow storms and blizzards from the National Weather Service (NWS).
  • Bring pets/companion animals inside during winter weather. Move other animals or livestock to sheltered areas and make sure that their access to food and water is not blocked by snow drifts, ice or other obstacles.
  • Running water, even at a trickle, helps prevent pipes from freezing.
  • All fuel-burning equipment should be vented to the outside and kept clear.
  • Keep garage doors closed if there are water supply lines in the garage.
  • Open kitchen and bathroom cabinet doors to allow warmer air to circulate around the plumbing. Be sure to move any harmful cleaners and household chemicals up out of the reach of children.
  • Keep the thermostat set to the same temperature both during the day and at night. By temporarily suspending the use of lower nighttime temperatures, you may incur a higher heating bill, but you can prevent a much more costly repair job if pipes freeze and burst.
  • Go to a designated public shelter if your home loses power or heat during periods of extreme cold.
  • Avoid driving when conditions include sleet, freezing rain or drizzle, snow or dense fog. If travel is necessary, keep a disaster supplies kit in your vehicle.
  • Before tackling strenuous tasks in cold temperatures, consider your physical condition, the weather factors and the nature of the task.
  • Protect yourself from frostbite and hypothermia by wearing warm, loose-fitting, lightweight clothing in several layers. Stay indoors, if possible.
  • Help people who require special assistance such as elderly people living alone, people with disabilities and children.

Caution: Carbon Monoxide Kills

  • Never use a generator, grill, camp stove or other gasoline, propane, natural gas or charcoal-burning devices inside a home, garage, basement, crawlspace or any partially enclosed area. Locate unit away from doors, windows and vents that could allow carbon monoxide to come indoors.
  • The primary hazards to avoid when using alternate sources for electricity, heating or cooking are carbon monoxide poisoning, electric shock and fire.
  • Install carbon monoxide alarms in central locations on every level of your home and outside sleeping areas to provide early warning of accumulating carbon monoxide.
  • If the carbon monoxide alarm sounds, move quickly to a fresh air location outdoors or by an open window or door.
  • Call for help from the fresh air location and remain there until emergency personnel arrive to assist you.

Cold-Related Emergencies

  • Frostbite and hypothermia are two dangerous and potentially life-threatening emergencies. Learn how to care for these emergencies by taking a first aid class.

 

Source: American Red Cross, “Winter Storm Preparedness” http://www.redcross.org website. Accessed November 30, 2015. http://www.redcross.org/prepare/disaster/winter-storm

© Copyright 2016. All rights reserved. This content is strictly for informational purposes and although experts have prepared it, the reader should not substitute this information for professional insurance advice. If you have any questions, please consult your insurance professional before acting on any information presented. Read more.

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Preventing & Thawing Frozen Pipes            

Misc_FrozenPipesBeing prepared and informed may help you to avoid the messy and often expensive issue of frozen pipes. The American Red Cross provides information and suggestions around how to prevent water pipes in the home from freezing, and how to thaw them if they do freeze.

Why Pipe Freezing is a Problem

Water has a unique property in that it expands as it freezes. This expansion puts tremendous pressure on whatever is containing it, including metal or plastic pipes. No matter the “strength” of a container, expanding water can cause pipes to break. Pipes that freeze most frequently are those that are exposed to severe cold, like outdoor hose bibs, swimming pool supply lines, water sprinkler lines, and water supply pipes in unheated interior areas like basements and crawl spaces, attics, garages, or kitchen cabinets. Pipes that run against exterior walls that have little or no insulation are also subject to freezing.

Preventing Frozen Pipes

Before the onset of cold weather, prevent freezing of these water supply lines and pipes by following these recommendations:
  • Drain water from swimming pool and water sprinkler supply lines following manufacturer’s or installer’s directions. Do not put antifreeze in these lines unless directed. Antifreeze is environmentally harmful, and is dangerous to humans, pets, wildlife, and landscaping.
  • Remove, drain, and store hoses used outdoors. Close inside valves supplying outdoor hose bibs. Open the outside hose bibs to allow water to drain. Keep the outside valve open so that any water remaining in the pipe can expand without causing the pipe to break.
  • Check around the home for other areas where water supply lines are located in unheated areas. Look in the basement, crawl space, attic, garage, and under kitchen and bathroom cabinets. Both hot and cold water pipes in these areas should be insulated.
  • Consider installing specific products made to insulate water pipes like a “pipe sleeve” or installing UL-listed “heat tape,” “heat cable,” or similar materials on exposed water pipes. Newspaper can provide some degree of insulation and protection to exposed pipes – even ¼” of newspaper can provide significant protection in areas that usually do not have frequent or prolonged temperatures below freezing.

During Cold Weather, Take Preventative Action

  • Keep garage doors closed if there are water supply lines in the garage.
  • Open kitchen and bathroom cabinet doors to allow warmer air to circulate around the plumbing. Be sure to move any harmful cleaners and household chemicals up out of the reach of children.
  • When the weather is very cold outside, let the cold water drip from the faucet served by exposed pipes. Running water through the pipe – even at a trickle – helps prevent pipes from freezing.
  • Keep the thermostat set to the same temperature both during the day and at night. By temporarily suspending the use of lower nighttime temperatures, you may incur a higher heating bill, but you can prevent a much more costly repair job if pipes freeze and burst.
  • If you will be going away during cold weather, leave the heat on in your home, set to a temperature no lower than 55° F.

To Thaw Frozen Pipes

  • If you turn on a faucet and only a trickle comes out, suspect a frozen pipe. Likely places for frozen pipes include against exterior walls or where your water service enters your home through the foundation.
  • Keep the faucet open. As you treat the frozen pipe and the frozen area begins to melt, water will begin to flow through the frozen area. Running water through the pipe will help melt ice in the pipe.
  • Apply heat to the section of pipe using an electric heating pad wrapped around the pipe, an electric hair dryer, a portable space heater (kept away from flammable materials), or by wrapping pipes with towels soaked in hot water. Do not use a blowtorch, kerosene or propane heater, charcoal stove, or other open flame device.
  • Apply heat until full water pressure is restored. If you are unable to locate the frozen area, if the frozen area is not accessible, or if you can not thaw the pipe, call a licensed plumber.
  • Check all other faucets in your home to find out if you have additional frozen pipes. If one pipe freezes, others may freeze, too.

Future Protection

  • Consider relocating exposed pipes to provide increased protection from freezing.
  • Pipes can be relocated by a professional if the home is remodeled.
  • Add insulation to attics, basements and crawl spaces. Insulation will maintain higher temperatures in these areas.
  • For more information, please contact a licensed plumber or building professional.

Source: American Red Cross, “Preventing and Thawing Frozen Pipes” http://www.redcross.org website. Accessed November 30, 2015. http://www.redcross.org/prepare/disaster/winter-storm/preventing-thawing-frozen-pipes

© Copyright 2016. All rights reserved. This content is strictly for informational purposes and although experts have prepared it, the reader should not substitute this information for professional insurance advice. If you have any questions, please consult your insurance professional before acting on any information presented. Read more.

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Before Winter Storms & Extreme Cold

Homes-Buildings_SnowHouseTo prepare for a winter storm you should do the following:

  • Before winter approaches, add the following supplies to your emergency kit:
    • Rock salt or more environmentally safe products to melt ice on walkways. Visit the Environmental Protection Agency for a complete list of recommended products.
    • Sand to improve traction.
    • Snow shovels and other snow removal equipment.
    • Sufficient heating fuel. You may become isolated in your home and regular fuel sources may be cut off. Store a good supply of dry, seasoned wood for your fireplace or wood-burning stove.
    • Adequate clothing and blankets to keep you warm.
  • Make a Family Communications Plan. Your family may not be together when disaster strikes, so it is important to know how you will contact one another, how you will get back together and what you will do in case of an emergency.
  • Listen to a NOAA Weather Radio or other local news channels for critical information from the National Weather Service (NWS). Be alert to changing weather conditions.
  • Minimize travel. If travel is necessary, keep a disaster supplies kit in your vehicle.
  • Bring pets/companion animals inside during winter weather. Move other animals or livestock to sheltered areas with non-frozen drinking water.

Winterize Your Vehicle

Check or have a mechanic check the following items on your car:

  • Antifreeze levels – ensure they are sufficient to avoid freezing.
  • Battery and ignition system – should be in top condition and battery terminals should be clean.
  • Brakes – check for wear and fluid levels.
  • Exhaust system – check for leaks and crimped pipes and repair or replace as necessary. Carbon monoxide is deadly and usually gives no warning.
  • Fuel and air filters – replace and keep water out of the system by using additives and maintaining a full tank of gas. A full tank will keep the fuel line from freezing.
  • Heater and defroster – ensure they work properly.
  • Lights and flashing hazard lights – check for serviceability.
  • Oil – check for level and weight. Heavier oils congeal more at low temperatures and do not lubricate as well.
  • Thermostat – ensure it works properly.
  • Windshield wiper equipment – repair any problems and maintain proper washer fluid level.
  • Install good winter tires – Make sure the tires have adequate tread. All-weather radials are usually adequate for most winter conditions. However, some jurisdictions require that to drive on their roads, vehicles must be equipped with chains or snow tires with studs.

Update the emergency kits in your vehicles with:

  • a shovel
  • windshield scraper and small broom
  • flashlight
  • battery powered radio
  • extra batteries
  • water
  • snack food
  • matches
  • extra hats, socks and mittens
  • first aid kit with pocket knife
  • necessary medications
  • blanket(s)
  • tow chain or rope
  • road salt and sand
  • booster cables
  • emergency flares
  • fluorescent distress flag

Winterize Your Home

  • Winterize your home to extend the life of your fuel supply by insulating walls and attics, caulking and weather-stripping doors and windows, and installing storm windows or covering windows with plastic.
  • Winterize your house, barn, shed or any other structure that may provide shelter for your family, neighbors, livestock or equipment. Clear rain gutters; repair roof leaks and cut away tree branches that could fall on a house or other structure during a storm.
  • Maintain heating equipment and chimneys by having them cleaned and inspected every year.
  • Insulate pipes with insulation or newspapers and plastic and allow faucets to drip a little during cold weather to avoid freezing. Running water, even at a trickle, helps prevent pipes from freezing.
  • All fuel-burning equipment should be vented to the outside and kept clear.
  • Keep fire extinguishers on hand, and make sure everyone in your house knows how to use them. House fires pose an additional risk, as more people turn to alternate heating sources without taking the necessary safety precautions.
  • Learn how to shut off water valves (in case a pipe bursts).
  • Insulate your home by installing storm windows or covering windows with plastic from the inside to keep cold air out.
  • Hire a contractor to check the structural ability of the roof to sustain unusually heavy weight from the accumulation of snow – or water, if drains on flat roofs do not work.

Know the Terms

Familiarize yourself with these terms to help identify a winter storm hazard:

Freezing Rain – Rain that freezes when it hits the ground, creating a coating of ice on roads, walkways, trees and power lines.

Sleet – Rain that turns to ice pellets before reaching the ground. Sleet also causes moisture on roads to freeze and become slippery.

Winter Weather Advisory – Winter weather conditions are expected to cause significant inconveniences and may be hazardous. When caution is used, these situations should not be life threatening.

Winter Storm Watch – A winter storm is possible in your area. Tune in to NOAA Weather Radio, commercial radio, or television for more information.

Winter Storm Warning – A winter storm is occurring or will soon occur in your area.

Blizzard Warning – Sustained winds or frequent gusts to 35 miles per hour or greater and considerable amounts of falling or blowing snow (reducing visibility to less than a quarter mile) are expected to prevail for a period of three hours or longer.

Frost/Freeze Warning – Below freezing temperatures are expected.

Carbon Monoxide

Caution: Carbon Monoxide Kills

  • Never use a generator, grill, camp stove or other gasoline, propane, natural gas or charcoal¬ burning devices inside a home, garage, basement, crawlspace or any partially enclosed area. Locate unit away from doors, windows and vents that could allow carbon monoxide to come indoors.
  • The primary hazards to avoid when using alternate sources for electricity, heating or cooking are carbon monoxide poisoning, electric shock and fire.
  • Install carbon monoxide alarms in central locations on every level of your home and outside sleeping areas to provide early warning of accumulating carbon monoxide.
  • If the carbon monoxide alarm sounds, move quickly to a fresh air location outdoors or by an open window or door.
  • Call for help from the fresh air location and remain there until emergency personnel arrive to assist you.

Source: FEMA, “Before Winter Storms & Extreme Cold” http://m.fema.gov/ website. Accessed November 30, 2015. http://m.fema.gov/before-winter-storms-extreme-cold

© Copyright 2016. All rights reserved. This content is strictly for informational purposes and although experts have prepared it, the reader should not substitute this information for professional insurance advice. If you have any questions, please consult your insurance professional before acting on any information presented. Read more.